Nexo Unveils Zero-interest Credit score with 0% APR and No Charges

January 08 – Nexo, the premier digital assets wealth platform, in the present day introduced the launch of Zero-interest Credit (ZiC), now becoming a member of the Nexo Credit Line as a flagship borrowing resolution. ZiC allows Bitcoin and Ethereum holders to entry liquidity at 0% curiosity via a fixed-duration time period, free from the chance of untimely pressured liquidation.

Beforehand obtainable via Nexo’s Non-public and OTC companies, structured zero-interest borrowing has been utilized by Nexo’s personal channels and is now broadly obtainable via Zero-interest Credit score. In 2025, it has enabled entry to greater than $140 million in liquidity.

A broad resolution for traders, merchants, and companies

Zero-interest Credit score is designed for purchasers who need liquidity with out sacrificing their long-term positioning. It helps BTC and ETH holders preferring to not promote, prosperous traders managing the timing of taxable occasions or funding main purchases, lively merchants pursuing market alternatives with outlined danger, and companies utilizing digital property to finance operations or strategic plans.

Constructed for peace of thoughts

ZiC brings a degree of predictability not often seen in crypto-backed credit score. As a substitute of monitoring LTV ratios or worrying about market-driven liquidations, purchasers borrow at 0% curiosity with a construction that stays intact. Each ZiC place comes with a predefined reimbursement path that's absolutely seen from day one. Shoppers choose the time period and quantity, and ZiC’s built-in Minimal Compensation Worth ensures the mortgage can't be liquidated mid-term, whereas the Most Compensation Worth allows purchasers to lock in good points as much as that degree. At maturity, reimbursement is simple, with the choice to settle in stablecoins or with collateral based mostly on the place the market stands relative to their predefined vary. And for individuals who need continued publicity, ZiC Renewal makes it doable to increase the association with refreshed phrases, with out unwinding or re-establishing the mortgage.

“Debtors in the present day need liquidity that's cost-efficient, clear, and free from the uncertainty of liquidation danger,” mentioned Elitsa Taskova, Chief Product Officer at Nexo. “Zero-interest Credit score offers them precisely that—a completely predefined borrowing construction they'll depend on from begin to end.”

Setting a brand new normal for accountable crypto lending

As borrowing demand grows and main digital property consolidate their position because the trade’s strongest collateral base, the market is shifting from interest-driven credit score to structured fashions that prioritize predictability and shopper management. Crypto-collateralised lending reached $73.59 billion in Q3 2025, up 38.5% quarter-over-quarter and surpassing the earlier cycle peak — reflecting stronger collateral high quality and deeper institutional participation.

As a pioneer of crypto-backed credit score — and in the present day the world’s #2 crypto lender — Nexo continues to form the trade. Zero-Curiosity Credit score positions Nexo on the forefront of accountable credit score innovation — delivering an answer formed for the borrowing panorama because it stands in the present day.